This page is updated when information changes, but it's always best to talk to your training provider to confirm course details before you enrol.
Overview
This qualification reflects the role of individuals in credit management functions. Individuals in these roles apply theoretical and technical skills and knowledge to work autonomously and exercise judgement in completing routine and non-routine activities relating to credit, reconciliation and customer service.
Licensing, legislative, regulatory or certification considerations
Work functions in the occupational areas where this qualification is used may be subject to regulatory requirements. Refer to the relevant regulator for specific guidance on requirements.
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Financial help
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Government funding is not available for this course.
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Cost
Course costs can vary by provider and location. Ask your training provider for a cost estimate.
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VET Student Loans are not available
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You may need to pay for equipment or materials.
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On-the-job training
- Completing this course through a traineeship can help you to learn the skills you need.
This traineeship is available:
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Entry requirements
This course doesn't have any entry requirements. It could be a good starting point for your career.
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Duration
You complete this course when you’ve learned the skills, not after a set amount of time. The times shown are estimates.
- Through traineeship:
2 years - Qualification only:
6 months – 2 years
- Through traineeship:
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Delivery options
You may be able to access this training in these ways:
Course content
This course is made up of units.
All courses have core units—these are mandatory for completing the course. Most courses also have elective units, which you can choose from to suit your needs and interests. Not all training providers offer every elective, so check with your provider to find out which electives they can offer you.
For more information about course content, talk to your training provider or visit the National Training Register.
| Unit | Unit type |
|---|---|
| Apply risk management strategies to own work | Core |
| Assess credit applications | Core |
| Conduct individual work within a compliance framework | Core |
| Conduct work according to professional practices in the financial services industry | Core |
| Establish and maintain appropriate security options for credit facilities | Core |
| Manage overdue customer accounts | Core |
| Resolve disputes | Core |
| Apply ethical frameworks and principles to make and act upon decisions | Elective |
| Apply principles of trust accounting | Elective |
| Assess risks | Elective |
| Demonstrate leadership in the workplace | Elective |
| Evaluate debt collection actions and develop recommendations | Elective |
| Identify and apply complex ethical decision making to workplace situations | Elective |
| Identify and manage individuals experiencing hardship | Elective |
| Implement customer service strategies | Elective |
| Lead team effectiveness | Elective |
| Manage and recover bad and doubtful debts | Elective |
| Manage personal and professional development | Elective |
| Prepare financial reports | Elective |
| Process applications for credit | Elective |
| Process business tax requirements | Elective |
| Process customer complaints | Elective |
| Promote client understanding of the role and effective use of consumer credit | Elective |
| Undertake legal action for recovery of debts | Elective |
| Utilise the legal process to recover outstanding debt | Elective |
Job prospects
The Certificate IV in Credit Management sets you up for roles like these, but the skills you learn could take you even further.
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Accounts Clerk
ANZSCO 551111
Accounts Clerks monitor creditor and debtor accounts, and undertake related routine documentation. They may work in call centres.
Recommended education level:
Certificate II or III -
Credit and Loans Officer
ANZSCO 552211
Credit and Loans Officers analyse, evaluate and process credit and loan applications.
Recommended education level:
Certificate III or IV -
Debt Collector
ANZSCO 599311
Debt Collectors collect consumer, commercial, insurance and other forms of debt for clients, make arrangements to settle overdue accounts, formalise payment arrangements and follow up until accounts are fully paid.
Recommended education level:
Certificate II or III
Training providers delivering Certificate IV in Credit Management
It's a good idea to research multiple training providers to make sure you're getting the right training for you.
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Australian Institute of Credit Management (RTO code 6263)
Contact this provider
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Institute of Strategic Management (RTO code 91485)
Contact this provider
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Kaplan Professional (RTO code 90116)
Contact this provider
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The National Finance Institute (RTO code 31203)
Contact this provider
How to enrol in this course
To enrol, choose a training provider that offers this course. You can see provider details on this page.
When you find one that you think suits you, visit their website or contact them directly to confirm details like start dates, fees, funding, delivery locations and delivery options.
The provider will guide you through the enrolment process.
How do apprenticeships and traineeships work?
Apprenticeships and traineeships let you combine hands-on work experience with training. You’ll gain job-ready skills and earn an income while you complete a qualification.
As an apprentice or a trainee, you work with an employer while completing your training. Most of your time is spent learning on the job, with some classroom or online training to support the skills you're developing in the workplace.
For some jobs, you may need to do an apprenticeship or traineeship before you are allowed to work as a qualified tradesperson. For example, you need to do an apprenticeship if you want to work as a licensed electrician.
Find out more about apprenticeships and traineeships.
See more information about the apprenticeship or traineeship you’re interested in pursuing on the Queensland Training Information Service.
How long will this course take?
This course is competency-based training, which means you progress as you demonstrate your skills and knowledge, rather than in a set amount of time.
The duration shown here is an estimate for full-time study based on how long most people take to complete the course. You may finish earlier than other people, or it may take you a bit longer.
If you’ve already completed training or have worked in a relevant area, you could get credits or recognition of prior learning. This can reduce the training you need to complete a qualification, which could reduce the time needed for training.
Duration for apprenticeships and traineeships
Apprenticeships and traineeships take longer than doing the qualification on its own, but you learn valuable hands-on skills.
For some jobs, you may need to do an apprenticeship or traineeship before you are allowed to work as a qualified tradesperson. For example, you need to do an apprenticeship if you want to work as a licensed electrician.
Learn about how courses are delivered
Different courses have different delivery options. Consider your needs when you’re researching courses. Some courses may be delivered entirely online or partially online. Others may be delivered in a classroom.
Some courses, like those delivered through apprenticeships and traineeships, are mostly based in the workplace but with some classroom or online study.
If a certain type of delivery is important to you, talk to your provider before you enrol to make sure they offer that delivery option.
How to reduce the cost of your course
There are lots of ways you can reduce the cost of your course.
- The government could partly or fully cover the cost of your course. See information about financial help and government funding on this page.
- The government also offers funding for some costs related to your course.
- If you’ve already completed training or have worked in a relevant area, you could get a cost credit or recognition of prior learning. This can reduce the training you need to complete a qualification, which could reduce the cost.
Learn about financial help and government funding
The main cost of training is usually the course fees, which vary depending on things like which course and training provider you choose.
You may be able to get your training for free or at a reduced cost, or you could get help with paying for training-related costs. You can also pay for some courses with a VET Student Loan.
Find out more about getting help paying for your training or check if you're eligible.
What are entry requirements?
Some courses have conditions you need to meet before you can enrol in the course. They help make sure you have the right background or skills for the training.
Entry requirements might include a certain education level, skills or knowledge, work status, or experience.